Troubles with rear-conclude insurance coverage: HUK does not spend

Without a doubt, the subject appeared crystal clear. At 6:00 pm on Could 14, 2022, Daniel Fischer was standing in his Audi A4 Avant (developed in 2016, 70,000 kilometers) in Hamburg's hurry hour targeted traffic. A Good driver unsuccessful to brake in time and crashed into the rear of the Audi. The human being who brought about the incident reported the hurt to his insurance organization, HUK.
On May well 19, a TÜV pro inspected the car. The bumper was damaged, in the end the pro approximated the problems at € 3674.13 plus € 752.08 for the appraisal. He mentions several scratches as preceding hurt, which he deducts from the mend quantity at 100 euros. The harm was repaired on 7 June.

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And then the mail arrived. On June 14, HUK Fischer sent out a letter refusing to regulate (partly comprehensive or instead in depth?). He made use of a full of five court docket rulings as a plea, the textual content was tough for a layman to comprehend. The main sentence was: "Because it are unable to be excluded that the alleged injury also derives from the prior event, we reject the transaction".
The HUK then speculated that Fischer might want to settle an previous claim twice. And in actuality, at the close of 2017, a person had already strike Fischer's Audi (when is a car a highway incident?). Injury at that time: 1198 euros. The 31-year-old can current the VW dealership bill. It was paid out for by the other party's coverage firm. And it was termed: HUK (tips on switching insurance policies).
The rear-end collision and the HUK does not pay - report

On Might 14, 2022, a Wise entered Fischer's stationary Audi. The driver claimed the issue to his insurance policy organization.


Now the Coburg business apparently did not want to pay out the damage to Fischer's rear stop yet again. The IT advisor turned to the renowned Hamburg targeted traffic legislation business Ochsendorf & Coll. Somewhere around 30,000 insurance plan promises are processed each and every calendar year. JUDr. Frank Ochsendorf states: "Insurers hide at the rear of the point that they want to stop fraud by invoicing a assert twice. In basic principle, there is absolutely nothing to be said in opposition to it. Especially offended insurance coverage organizations, as in this circumstance, they just say, 'Then complain.' They know this is connected with high expenses. "

The rear-end collision and the HUK does not pay - report

In 2017 he was strike by a car or truck. "The destruction was € 1,198 and was repaired at VW," claims Fischer.

And Fischer won't have legal security coverage. "Generally, all insurers do this," states JUDr. Ochsendorf. "But HUK is the most impressive business." Immediately after all: "The BGH jurisprudence in these cases is now a lot a lot more favorable to people," says the lawyer.

In Web portals, lots of clients complain about HUK's economical techniques. Asked by Vehicle BILD, she claimed: "It is undisputed that Mr. Fischer's automobile had previous problems at the time of the accident, which was in the location that experienced been ruined all over again. The qualified also took this into account in his report and deducted a payment quantity in the fix expense calculation. From our level of watch, it was too small. That is why we requested your lawyer for a a lot more specific rationalization. "

Rear-end collision and HUK does not pay - report expert opinion

Following the accident, the car or truck arrived at the Audi workshop. A TÜV professional approximated the damage at € 3674.13.

Sad to say, the HUK has been waiting for his response for much more than two months, it is said. "We want an amicable settlement, so we have now double-checked the make any difference. As we did not have a lot more comprehensive info, we have now established the extent of the harm calculated from the fix invoice and adjusted accordingly. Mr. Fischer's professional ought to if I experienced any objections, we will be joyful to discuss it with him ". Appears to be like a speedy repair.

This is how the Ombudsman assists in hassle with the insurance plan firm

If you have troubles with insurance policies but do not have legal security, you can get in touch with a cost-free arbitration board. The Berlin-centered Ombudsman for Insurance policies Corporations has existed because 2001. It is a neutral and unbiased authority. 95% of insurance policies corporations in Germany have joined the program.

The course of action is no cost for the coverage client and ordinarily takes a lot less than 3 months. The success rate is more than 40 p.c. The ombudsman can make decisions in accordance with the regulation, just like a choose.

If the disputed sum is less than € 10,000, the insurance plan corporation must abide by the determination of the ombudsman. For bigger quantities, make a non-binding assessment. In 2021, 14,000 grievances had been dealt with. Information to:
www.versicherungsombudsmann.de
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